Hello, I am a retired 64 year old nurse. I retired in May 2024. Other than my house payment, I had all medical bills, credit cards, and my car paid off. My daughter and son-in-law had lent me $30,000 to pay off the medical bills and credit cards that I previously owed so that I could retire a little early. (I’ve been a nurse for 30 years). I already had the 2013 car paid off. I have been making $600 monthly payments over the past 2 1/2 years, and will have my family paid back completely in 6 months. They wanted me to move in with them in 2024 and rent my home out for rental income to supplement my social security. I didn’t make any profit since renting it out in 2024 due to unforeseen issues that kept arising. There was a hail and wind storm that damaged the roof and siding. I had to pay a large deductible to the insurance company for repairs for that. Throughout the that year I spent over $25,000 to make multiple repairs and replacements in the house. I had to replace the kitchen counter tops, had a swagging porch fixed, replaced several windows, treat for insects monthly, and many more issues minor and major. The central air also had to be fixed. The basement is a completely finished basement. It started having leaks. I had to buy 2 sump pumps and have a perimeter drain put in on one side of the basement floor. The company had to tear out the whole wall and studs. They then had to replace the studs, wall, and repaint them and the concrete floor. When the tenant moved out at the end of July 2025, there were other issues that had to be delt with before attempting to rent the home again. The house was sagging on one side. That fix was over $5,000, the basement was actually flooding after several big rain storms. I had to have a complete perimeter drain in the whole basement put in. All the walls in the basement had to be torn out, replaced and painted, the concrete floor had to be redone. The insurance didn’t cover flooding so I had to cover all of that myself. I also had to buy a new water heater, refrigerator and had do other repairs and floor replacement on the main floor. I tried to pay with cash and used most of my retirement account as the repairs were being done, but unfortunately I couldn’t keep up with it and had to apply for and use credit cards. That amounted to over $40,000. It took a month to find a new tenant so I missed a month of rent as well. So now in January 2026, since I had almost maxed out the credit cards last year on the house, the credit card companies have decreased my available credit and highly increased my monthly payments. I have always paid them on time and make extra payments as I can. I don’t use the cards unless something happens and I don’t have the cash, such as anything else with the home or car repairs. I have been trying to find a job but no one calls me back. Maybe my age has something to do with it, I’m not sure. I don’t qualify for any loans or equity loan. I have tried to think of anything I can do. I can’t borrow from family again. With the increased payment amounts of the credit cards, $7,000 medical bills I’m making payments on, finishing paying my family back and just paying regular monthly and medical bills I will be in the negative and not able to pay these bills within 2 weeks. I’m so glad to have found this site. I don’t have any other recourse. I’ve thought about trying to sell my home, but after paying off the rest of the balance owed, and all these bills I would have nothing and I wouldn’t have the extra income that I need.
I would really appreciate any help. I feel like I’m drowning in debt.
Thank you very much for considering,
paypal.me/beckaleewill